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Financial Terms | |
Regular Investment Plan (RIP) |
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Definition of Regular Investment Plan (RIP)Regular Investment Plan (RIP)A plan under which you may make regular deposits of the same amount to your Mutual Funds account once a month, once every 2 weeks, or once a week. You can also make regular deposits up to four times a month on any dates you choose.
Related Terms:401k PlanA retirement plan set up by an employer, into which employees can 403b PlanA retirement plan similar to a 401k plan, except that it is designed Accounting IrregularitiesIntentional misstatements or omissions of amounts or disclosures in Aggregate planningA budgeting process using summary-level information to Baker PlanA plan by U.S. Treasury Secretary James Baker under which 15 principal middle-income debtor Business Expansion InvestmentThe use of capital to create more money through the addition of fixed assets or through income producing vehicles. Cafeteria PlanA flexible benefits plan authorized under the Internal Revenue ![]() cafeteria plan a “menu” of fringe benefit options that includecash or nontaxable benefits Canada Pension Plan (CPP)A plan that provides retirement and long term disability income benefits to residents of Canadian provinces (excluding Quebec). capital investment analysisRefers to various techniques and procedures Capital InvestmentsMoney used to purchase fixed assets for a business, such as land, buildings, or machinery. Also, money invested in a business on the understanding that it will be used to purchase permanent assets rather than to cover day-to-day operating expenses. Corporate financial planningFinancial planning conducted by a firm that encompasses preparation of both Defined benefit planA pension plan in which the sponsor agrees to make specified dollar payments to Defined Benefit PlanA pension plan that pays out a predetermined dollar Defined contribution planA pension plan in which the sponsor is responsible only for making specified Defined Contribution PlanA qualified retirement plan under which the employer Dividend reinvestment plan (DRP)Automatic reinvestment of shareholder dividends in more shares of a Educational Assistance PlanA plan that an employer creates on behalf of its Employee stock ownership plan (ESOP)A company contributes to a trust fund that buys stock on behalf of Employee Stock Ownership Plan (ESOP)a profit-sharing compensation program in which investments are made in Employee Stock Ownership Plan (ESOP)A fund containing company stock and owned by employees, paid for by ongoing contributions by the employer. enterprise resource planning (ERP) systema packaged software program that allows a company to Enterprise resource planning systemA computer system used to manage all company Equity investmentThrough equity investment, investors gain part ownership of the corporation. The primary type of equity investment is corporate stock. Estate PlanningAn insurance program designed to provide funds for insured's dependents upon death of the insured, and to also conserve, as much as possible, the personal assets that the insured wants to bequeath to heirs. Expected return on investmentThe return one can expect to earn on an investment. See: capital asset Financial planA financial blueprint for the financial future of a firm. Financial planningThe process of evaluating the investing and financing options available to a firm. It Floor planningArrangement used to finance inventory. A finance company buys the inventory, which is then Foreign direct investment (FDI)The acquisition abroad of physical assets such as plant and equipment, with Fundamental descriptorsIn the model for calculating fundamental beta, ratios in risk indexes other than Future investment opportunitiesThe options to identify additional, more valuable investment opportunities guaranteed investment certificate (GIC)A GIC is an investment that gives you a guaranteed rate of return over a fixed period of time, usually between 30 days and 5 years. GICs are available from banks, trust companies, and other financial institutions. Guaranteed investment contract (GIC)A pure investment product in which a life company agrees, for a Hourly Rate PlanA method for calculating wages for hourly employees that involves Insured plansDefined benefit pension plans that are guaranteed by life insurance products. Related: noninsured plans Insured Retirement PlanThis is a recently coined phrase describing the concept of using Universal Life Insurance to tax shelter earnings which can be used to generate tax-free income in retirement. The concept has been described by some as "the most effective tax-neutralization strategy that exists in Canada today." Interest-only strip (IO)A security based solely on the interest payments form a pool of mortgages, Treasury Interplant transferThe movement of inventory from one company location to InvestmentThe commitment of funds (capital) in anticipation of an increased Investment analystsRelated: financial analysts Investment bankFinancial intermediaries who perform a variety of services, including aiding in the sale of Investment BankerMiddleman between a corporation issuing new securities and the public. The middleman buys the securities issue outright and then resells it to customers. Also called an underwriter. investment centera responsibility center in which the manager Investment centreA division or unit of an organization that is responsible for achieving an adequate return on investment decisiona judgment about which assets will be Investment decisionsDecisions concerning the asset side of a firm's balance sheet, such as the decision to investment gradeBonds rated Baa or above by Moody’s or BBB or above by Standard & Poor’s. Investment grade bondsA bond that is assigned a rating in the top four categories by commercial credit Investment incomeThe revenue from a portfolio of invested assets. Investment managerAlso called a portfolio manager and money manager, the individual who manages a Investment product line (IPML)The line of required returns for investment projects as a function of beta Investment SpendingExpenditures on capital goods including new housing. Financial ''investments" and sales of existing assets are not included. Investment tax creditProportion of new capital investment that can be used to reduce a company's tax bill Investment Tax CreditA reduction in taxes offered to firms to induce them to increase investment spending. Investment trustA closed-end fund regulated by the investment Company Act of 1940. These funds have a Investment valueRelated:straight value. InvestmentsAs a discipline, the study of financial securities, such as stocks and bonds, from the investor's Legal investmentsinvestments that a regulated entity is permitted to make under the rules and regulations Long-term financial planFinancial plan covering two or more years of future operations. Manufacturing resource planningAn integrated, computerized system for planning manufacturing resource planning (MRP II)a fully integrated materials requirement planning system that involves Manufacturing resource planning (MRP II)An expansion of the material requirements planning concept, with additional computer-based capabilities in the areas of Material requirements planningA computerized system used to calculate material Material requirements planning (MRP)A computer-driven production methodology Materials requirement planningComputer-based systems that plan backward from the production schedule materials requirements planning (MRP)a computerbased information system that simulates the ordering and Money purchase planA defined benefit contribution plan in which the participant contributes some part and Mutually exclusive investment decisionsinvestment decisions in which the acceptance of a project Net investmentGross, or total, investment minus depreciation. Net Investmentinvestment spending minus depreciation. Net present value of future investmentsThe present value of the total sum of NPVs expected to result from Non-insured plansDefined benefit pension plans that are not guaranteed by life insurance products. Related: Nonqualified Retirement PlanA pension plan that does not follow ERISA and operational plana formulation of the details of implementing Overfunded pension planA pension plan that has a positive surplus (i.e., assets exceed liabilities). Oversubscription privilegeIn a rights issue, arrangement by which shareholders are given the right to apply Passive investment managementBuying a well-diversified portfolio to represent a broad-based market Passive investment strategySee: passive management. Pension planA fund that is established for the payment of retirement benefits. Pension planA formal agreement between an entity and its employees, whereby the Piece Rate PlanA wage calculation method based on the number of units of production Plan for reorganizationA plan for reorganizing a firm during the Chapter 11 bankruptcy process. Plan sponsorsThe entities that establish pension plans, including private business entities acting for their Planned amortization class CMO1) One class of CMO that carries the most stable cash flows and the Planned capital expenditure programCapital expenditure program as outlined in the corporate financial plan. Planned financing programProgram of short-term and long-term financing as outlined in the corporate planningthe process of creating the goals and objectives for Planning horizonThe length of time a model projects into the future. planning horizonTime horizon for a financial plan. Planning, programming and budgeting system (PPBS)A method of budgeting in which budgets are allocated to projects or programmes rather than to responsibility centres. Plant and EquipmentBuildings and machines that firms use to produce output. postinvestment auditthe process of gathering information Profit Sharing PlanA retirement plan generally funded by a percentage of company property, plant, and equipmentThis label is generally used in financial Property, plant, and equipmentThis item is comprised of all types of fixed assets qualified investments (Canada)Qualified investments is the term used for investments that can be held in an RSP. These investments generally include: Qualified Retirement PlanA retirement plan designed to observe all of the requirements Quebec Pension PlanA plan that primarily provides retirement and long-term disability income benefits for residents of Quebec. 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